Traditional Installment Loans

Consumers favor installment loans for large purchases and expenditures beyond their cash on hand. They have clear terms and a manageable repayment strategy. No one knows for certain when an unexpected financial emergency will arise. An accident, leaky roof, the death of a loved one, sudden job loss, or a myriad of other unforeseen events are costly if unplanned for.

Installment loans help individuals in unfortunate monetary circumstances avoid debt by lending them the money needed to make their payment deadlines or necessary upgrades. Whether you need assistance in making a student loan payment during a time of unemployment or to install new additions to your home, installment loans can help finance it. Small loans help borrowers ease the burden of unanticipated or overwhelming expenses.

How Do Installment Loans Work?

An installment loan is a specific amount of money that is borrowed and repaid with interest through a series of fixed monthly payments. Their payments are manageable, and the terms of the loan are clearly laid out, making them a preferred monetary resource for individuals seeking immediate funds. The loan contract that is agreed upon before money is released specifies the loan term, interest rate, and possible penalties for missed or late payments that the borrower must abide by.

Depending on applicable state laws, Western Shamrock offers both secured and unsecured loans in amounts ranging from $100 to $3,000. To be eligible to apply for a loan with us, applicants must be 18 years or older and cannot be in the military nor a dependent of military personnel. Begin the application online or in-person at one of our local branches. Applicants will be asked to provide basic information such as employment history, residence information, and references. If applying online, then your application will be sent to the nearest branch location, which will then contact you for more information and make a loan offer. The loan application process is completed in-branch.

Choose Western Shamrock as Your Trusted Lender

We understand the time-sensitivity of financial situations, which is why our representatives can contact you with a final loan offer as soon as half an hour after applying. The difference between Western Shamrock and other loan lenders is that we are dedicated to helping you, which is why we assess applicants based on their debt-to-income ratio in addition to credit history. Borrowers can make payments in person in the form of cash, checks, money orders, or debit cards at a local branch. Contact us to find out how Western Shamrock can help fund your next installation or meet your payment deadlines.

Begin Your Installment Loan Application Today!

Traditional installment loans, are based on predictable, stable information that you will easily understand. There are no surprises. Western Shamrock traditional installment loan provides:

  • Fixed monthly payments
  • Fixed repayment terms

Fixed payments and repayment terms mean you know exactly what to expect. We’ll help you set up affordable monthly payments that fit your budget. Plus, your Western Shamrock installment loan can help you build your credit rating.

Get Started Today Find Your Location

Getting The Money You Need Starts Here

Looking for a loan? Getting the money you need today has never been easier. You can accelerate the process by filling out our online form, and then visit your local branch to complete!

Start by entering your 5-digit Zip Code into the form below and selecting the branch closest to you.
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Loan Amounts Differ By Location

State Maximum Amount



  New Mexico